($50 excess applies to each claim)

Capital Benefits

Medical (Non Medicare and Physio) Benefits

Weekly Benefits

Capital Benefits:

This section provides a lump sum benefit to Insured Persons that suffer permanent injury or death.

The maximum sum insured under this section is $100,000 (Death cover is limited to $20,000 for persons under 18 years). A detailed list of the percentages and limits is contained in the policy wording.

Medical Benefits:

Non-Medicare Medical Benefits:

This section provides an 85% payment of Non-Medicare Medical Expenses after any reimbursement from your Private Health Fund up to a maximum of $2,500. This benefit covers only expenses that are not covered by the Medicare Act 1983. i.e. expenses for which there is no full or partial Medicare rebate. Commonwealth Legislation prevents any programme of this kind from insuring the Medicare Gap.

Expenses that are claimable under this section are:

Private Hospital Accommodation

Ambulance Transport Cost

Physiotherapy

Chiropractic

Dental Services

Orthotics, Splints and Prosthesis

Examples of expenses that are not claimable under this section include:

Doctors fees

Surgeon and anaesthetists fees

X-Ray costs

Weekly Benefits:

Loss of Income Benefit – Income Earners

This section provides an income replacement to insured persons that suffer an injury and are temporarily totally disabled from performing their full time occupation.

85% of your average weekly income up to a maximum of $250 per week for 52 weeks. No benefit is payable for the first 14 days.

Your average weekly income which can be claimed under the policy is net of business expenses and excluding bonuses, commissions, overtime payments and other allowances. Payments can only be made after the exhaustion of any sick leave entitlements. It should be noted that proof of consistent work and pay entitlements will be requested.

Note: Tax may be withheld by the insurer from your Weekly Benefit. Please speak with your Accountant about your obligations to the ATO.

Additional Benefits:

There are other additional benefits available under the Sports Personal Injury policy including:

Student Benefit

Domestic Benefit

Parents Inconvenience Allowance

Travel and Accommodation Expenses

Rehabilitation Benefit

Others as per policy

For details of these additional benefits, please refer to the policy document or contact Gow-Gates.

What injuries are not covered

All Insurance policies contain exclusions. In the case of Sports Personal Injury policies, some injuries are excluded. This is not just for the FFA National Insurance programme but is a standard practice amongst Sports Personal Injury policies.

The following list includes some key exclusions:

being under the influence of alcohol or drugs

engaging in or taking part in any Sport/s other than Football

any pre-existing defect, infirmity or sickness

arising out of failure to seek or follow medical advice

any medical or surgical procedure performed for any gradually developing bodily deterioration whatever the cause of that deterioration.

preventative measures rather than for the treatment of a Bodily Injury. Complete details of all exclusions are contained within the policy wording.